* Bajaj Housing Finance Limited (BAJAJHFL) submitted its Half Yearly Report for FY2025-26, detailing the financial performance for the half year ended 30 September 2025. * The company's Assets under Management (AUM) reached ₹ 1,26,749 crore as of 30 September 2025, marking a 24% year-on-year growth. * Profit after Tax (PAT) for H1 FY26 stood at a highest ever ₹ 1,226 crore, representing a 19% increase compared to H1 FY25. * Net Interest Income grew by 34% to ₹ 1,843 crore in H1 FY26 from ₹ 1,378 crore in H1 FY25. * Pre-provisioning operating profit increased by 24% to ₹ 1,681 crore for H1 FY26. * Asset quality remained healthy with Gross Non-Performing Assets (GNPA) at 0.26% and Net Non-Performing Assets (NNPA) at 0.12% as of 30 September 2025. * The company maintained a comfortable capital adequacy ratio of 26.12%, with Tier-I capital at 25.61%. * Annualised Return on Assets (ROA) was 2.3% and Annualised Return on Equity (ROE) was 11.9% for H1 FY26. * Operational highlights include expanding to 176 locations with 220 branches across 21 states/union territories, high credit ratings (CRISIL and India ratings AAA/stable for long-term), and robust digital adoption (94% e-agreements, 93% online onboarding). * The 'Sambhav Home Loans' initiative for near prime and affordable housing is performing well, and a securitisation transaction was executed for borrowing diversification. * Outlook for FY26: The company projects AUM growth of 21–23%, Opex to Net Total Income of 20–21%, Credit cost of 15–20 basis points, ROA of 2.0–2.2%, and ROE of 11–12%. * Chairman Sanjiv Bajaj expressed pleasure in sharing the strong financial results, noting the company's progress well across strategic differentiators and being on track with its medium-term guidance.
